text:
Sixty-Eight Organizations Urge Federal Consumer Agency to Protect Former Prisoners from Excessive Release Debit Card Fees
Washington, DC – Yesterday, the Human Rights Defense Center (HRDC) filed a comment with the Consumer Financial Protection Bureau (CFPB), an independent federal agency, urging the CFPB to add language related to protecting the finances of released prisoners to a proposed rule regarding regulation of prepaid debit cards. Sixty-eight criminal justice reform groups, civil rights organizations and public interest law clinics joined in the comment.
The comment requests that the CFPB exercise its authority under the Electronic Fund Transfer Act (EFTA) to add language to a proposed rule regarding regulation of prepaid accounts under EFTA and the Truth in Lending Act that extends the ban on compulsory use to prepaid debit cards given to released prisoners that contain the funds remaining in their prison accounts, bans all fees associated with such cards and provides other protections as needed.
The use of third-party release debit cards is a growing trend in U.S. prisons and jails, where companies see an opportunity to profit off people who have no choice on whether or not to use release debit cards with associated fees. Around 650,000 people are released from state and federal prisons each year, while approximately 11.6 million cycle through local jails.


text:
It's hard to believe Harry Potter has been around for 12 years! I can clearly remember standing in line at midnight with my husband as several of the Harry Potter books were released. I must say those were fun times with so much anticipation and excitement in the air. Most importantly, Rowling's stories really got kids motivated about reading and magically drew in those kids that had previously resisted reading.
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Additionally, when visiting the website, kids ages 7-14 can enter Scholastic's The Real Magic of Harry Potter Sweepstakes for a chance to win a trip for four to Universal Orlando Resort to see the new The Wizarding World of Harry Potter attraction. See the site for complete details. The contest ends on June 1, 2010.
To keep updated on the latest Harry Potter news, trivia, quizzes, polls and giveaways, be sure to follow @Scholastic on twitter (watch for #harrypotter tweets) or check out Scholastic's Facebook page. Scholastic also has their own blog, On Our Minds.
Scholastic has graciously offered to giveaway a copy of the 10th anniversary edition of Harry Potter and the Sorcerer's Stone to two Brimful Curiosities readers (2 WINNERS).
To enter, leave a comment with one of the words found in Scholastic's Harry Potter online glossary.
• For contact purposes, if you are a non-blogger or your email is not accessible in your blog profile, please leave a valid email address within the comment section.Three ways to gain extra entries (Maximum total entries is 4; please leave a separate comment for each entry):
• Contest is open to US and Canada
• Contest ends on Monday, April 26th, 2010 at 11:59 PM CST.
• Winner will be chosen at random and sent an email notification.
1st extra entry: Blog about this contest then post your link in the comment section.
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I did not receive a book or any other type of compensation from Scholastic for writing this post. My opinions are entirely my own. View my full disclosure statement for more information about my reviews.)

subset: commoncrawl


text:
Bottom line: The banks and the mortgage CDO bagholders are screwed.
Really, really, really screwed.
Sorry, it's just the way it is.
Whose stupid idea was it to allow no-down loans in the first place?
Idiots. Frigging idiots. And they deserve to fail. They need to be taught a lesson about fiscal and lending responsibility that will last for generations.
Turn in the keys Underwater Homedebtors of America!!! Run from that debt-trap as fast as you can!!!
Oh, dear, is this gonna get ugly. And you can thank our idiot Congress and Bush for pouring fuel on the fire last week by allowing homedebtors to short sell or foreclose with no tax hit now too! Monkeys I tell ya. Monkeys.
Bank of America CEO Ken Lewis told editors of the Wall Street Journal that he's worried about borrowers with strong credit scores not making loan payments if the housing crisis worsens.
Such concerns by the head of California's largest bank could trigger a tightening of credit availability beyond the subprime customer base.
"There's been a change in social attitudes toward default," Lewis told the Wall Street Journal. "We're seeing people who are current on their credit cards but are defaulting on their mortgages. I'm astonished that people would walk away from their homes."
Apparently even borrowers with strong credit scores are finding it easier to walk away from their mortgages, especially if they put little or no money down on houses and condos purchased for investment purposes.
December 24, 2007
FLASH: Bank of America CEO predicts Americans might wise up and stop making payments on their depreciating homes. Uh-oh. Someone let the truth out!!
Posted by blogger at 12/24/2007
Labels: bank failures, mortgage meltdown, no-doc loans, no-down loans
72 comments:
I've done it once already, and about to do it again, it gets easier, and you can breath again - just do it! It's really not that bad.... just walk away....
- December 24, 2007 1:07 PM
DUHHHHHH, why do you think for hundreds of years they have required a DOWN PAYMENT.
- December 24, 2007 1:28 PM
Oh My GOD--I am just getting so sick to even call myself an American lately.
WHY rob banks when you can just gut your house of hundreds of thousands in equity, spend it all,and let the Tax payers of America foot the bill??
Finally someone is speaking about what this crisis is--A MORTGAGE and CREDIT bubble, NOT a Subprime crisis.
Among all of the HUUUUGE repercussions that this disaster will have, is NORMAL, LAW ABIDING, PRUDENT, FINANCIALLY RESPONSIBLE citizens-(up till now)- Walking away from their homes too. THIS will bring our country to its knees and worse.
Why continue to make your 30-year fixed mortgage payments when your deadbeat neighbors are getting either bailed out, or they are mailing in their keys without penalty??
THINK about this people, because this is going to be the most devistating thing our country has ever seen--A financial 9/11 that hits every city and every town in America.
Houses will be worthless--
- December 24, 2007 2:26 PM
"There's been a change in social attitudes toward default," Lewis told the Wall Street Journal. "We're seeing people who are current on their credit cards but are defaulting on their mortgages. I'm astonished that people would walk away from their homes."
Are these financial wizards really that stupid? Is it possible that monkeys in suits are running our economy? It wasn't a change in attitude that is causing this mess. It was the change in lending standards. I remember my parents had perfect credit when we bought our first house and they still had to put 20% down. Someone needs to slap this Lewi guy in the face so he'll wake up to reality.
- December 24, 2007 2:32 PM
yep, you nailed it. w/o the tax hit, the only thing left is their credit score and that was baloney to begin with! now it's just going to reflect what it should have portrayed prior to the bank's loan write-off. i guess sometimes it's not best to learn the hard way.
- December 24, 2007 2:40 PM
I'm astonished highly paid expert analysts on WS, Mr. Magoo and President Chimp couldn't see this coming.
- December 24, 2007 2:45 PM
Idiot lending caused this problem. Idiot lending deserves to be compensated in the form of non-payments.
In they words of the immortal Henny Youngman "Take my house....please"
- December 24, 2007 3:03 PM
I must wonder. Is trying to get underwater people to stay put testing the waters for future debt serfdom?
- December 24, 2007 3:03 PM
Considering how a substantial portion of them probably refi'd their way into "great scores", why the shock?
- December 24, 2007 3:06 PM
I read in the WSJ about some guy with a $100k house from the 80's pulling equity out of his property as it rose in value into the $500's and then walking away after retiring. Not a bad deal. At most he put in $50-80k between downpayment and Princ paydown and walked away with over $400k. If you don't need credit, you can certainly screw the finance industry. With all the disdain the bankers and wealthy have for the little guy, this is a sweet way to get back at them and their investments.
- December 24, 2007 3:18 PM
Honestly, it's a shameful, but predictable response to free money (liar loans). The same people who felt okay with lying about their qualifications to buy a home (and don't give me BS about "victims"; to avoid being a victim, all it would have taken was for someone to say, "This isn't right.") who worked with lenders who thought it was okay to look the other way (even though they knew damn well what they were doing) and appraisers who also knew damn well what they were doing are now going to start walking away.
The only reason it seems so outlandish is because too many people still believe in personal responsibility, acting ethically, and honesty. Maybe we're the ones who are screwed up, but I think these boneheads will get theirs sooner than later.
- December 24, 2007 3:34 PM
So here's the flip side of the heinous bankruptcy bill. People are so afraid of the consequences from the credit card companies, and with no money actually invested in "their" house, and with impossible mortgage payments, why not keep your credit cards current and walk?
You can't get a motel room with a mortgage.
- December 24, 2007 3:37 PM
They were never "THEIR" homes to begin with, IDIOT!
I just love the fact that 25million in political contributions to get the bankruptcy "reform" act pushed through is going to cost big banking 400-500 million in foreclosures.
Suck it, and suck it good!
I wonder how long it will be before one of the paid for stooges introduces a bill to "reform" the bankruptcy reform act.
- December 24, 2007 3:47 PM
If I anticipated being significantly underwater within a few years then I'd walk away now, too. It's the logical thing to do. You always look out for yourself first. Home owners need to place their finances ahead of the banks'....after all, the banks always put their interests first.
- December 24, 2007 3:52 PM
A Duhhhhhh. Why the hell would anyone want to keep making payments on a home that's already worth 20-25% less than they bought it for? It's only going to go down even more in the next few years and won't get back to the level they bought it at for at least 20 years? If you put nothing down who cares if you lose the house? It's not like they have money to pay loans back anyways so fuck their credit score.
- December 24, 2007 4:02 PM
Speaking of walking away from other debt:
Unpaid Credit Cards Bedevil Americans
Have some bedeviled eggs on me this Xmas!!!
Longer Car Loan Can Handcuff Buyer
Handcuffs will the the jewelry du jour come 2008.
- December 24, 2007 4:04 PM
- Debbie said...
Duh!*head hits table*
By the way, thanks Keith for this blog. Best wishes to you and the other HPr's for the end of this year and for the next. -Deb
- December 24, 2007 4:13 PM
- Bradhart said...
Americans are not walking away from their homes, they are walking away from THE BANKS HOME.
- December 24, 2007 4:21 PM
"I'm astonished that people would walk away from their homes."
Jump douchebag. You are through.
- December 24, 2007 4:29 PM
Dow should rally 400 points on such comments.
- December 24, 2007 4:39 PM
ok so banks lend money from 'thin air' (fraction reserve lending) so why would they care if they take billion in losses? the 'losses' are monopoly money that is 'virtualy printed' from thier computer.
If I could lend money I did not have with no limit then I too would give EVERYONE a loan to rake in huge fees, and WHO CARES if they loan is payed back? the fees are the thing!
Welcome to the new new world order: economy is based on selling homes to each other and borrowing money to buy crap to put in them.
- December 24, 2007 4:51 PM
"Speaking of walking away from other debt:
Unpaid Credit Cards Bedevil Americans
Haha, these people know exactly what they're doing. Spending every last ounce of debt they have before they're cut off. And they are NEVER going to pay it back.
- December 24, 2007 5:13 PM
So where's Cramer's video telling people to just walk away? Huh? Where is it? I can't believe you don't have it posted along side of this article...;)
- December 24, 2007 5:34 PM
Dont be DAFT people!! Americans have acted like a bunch of spoiled, materialistic children with ZERO self control over the last 2 years--You want to play? Well now--it's time to PAY, and PAY and PAY.
All these stupid "Yeeeah, I'm going to walk away and stick it to the bank" idiots are not only going to screw their credit and financial reputations for 7 years or more--
THEY are going to be part of that group known as "Tax paying citizens" that will have to bail the whole shyyt storm out, AND will be responsible for the Banks huuuge pullback in lending to EVERYONE. (Hello HUGE downpayments and rate increases)!!
Good luck ever getting a house again..you should have to rent for the rest of your sad lives, AND even that will be impossible, once landlords get a glimpse at your dismal credit history.
I am sick that so many responsible citizens are going to be penalized for the wreckless behavior of so many. There should be a massive REVOLT.
- December 24, 2007 5:43 PM
I work for BofA & what I don't understand is -
If K-Lew finally gets the fact that people "walk away", at what point does BofA stop making loans with 100% combined loan to value?
They are still closing on loans that should never have been approved. I guess Ken will still be "astonished" when those loans default too.
- December 24, 2007 5:49 PM
All these stupid "Yeeeah, I'm going to walk away and stick it to the bank" idiots are not only going to screw their credit and financial reputations for 7 years or more--
Lets see...7 years of no credit, or 7 years of paying everything I earn on debt that will last a lifetime.
I think it's past a moral decision for a lot of folks....it's a question of what is possible.
The banks chewed through the borrowers that wouldn't pay them and into the one that just flat COULDN'T pay them in less than a year. Screw them. Stupid should hurt.
- December 24, 2007 5:55 PM
Dear Bankers,
Merry FuckU Christmas!
- December 24, 2007 5:59 PM
"you should have to rent for the rest of your sad lives, AND even that will be impossible, once landlords get a glimpse at your dismal credit history"
Nope. Renters are so desperate where I am, they'll take any credit score. Some don't even check it anymore.
- December 24, 2007 6:11 PM
And yet dow is up 100. Go figure.
Face it HPtards, this so-called crisis is a non-story except for a small group of people who will lose their homes. 70% of people own a home. Of those 60% have a mortgage. Of those 5% are foreclosing. So this whole supposed crisis is affecting about 2% of the population.
Now be good little communists and go vote for Ron Paul.
- December 24, 2007 6:24 PM
- Miss Goldbug said...
Bank of America CEO Ken Lewis told editors of the Wall Street Journal that he's worried about borrowers with strong credit scores not making loan payments if the housing crisis worsens.
So, the CEO is worried now? the borrowers salary was never enough to qualify for the house in the first place. Mortgage adjustment magnify the problems.
How could anyone in their right mind think equity only goes up?
Obviously, no one in financials understood how the real estate and business cyle works.
- December 24, 2007 6:41 PM
Lets see...7 years of no credit, or 7 years of paying everything I earn on debt that will last a lifetime.
Moron: these people were ***SUBPRIME*** to begin with. That means their credit was shit. If they walk away their credit will be shit still. They have absolutely nothing to lose and everything to gain by walking away.
- December 24, 2007 6:41 PM
- Bill said...
Jingle Mail, Jingle Mail Jingle all the way...
I have a neighbor..great guy..great family man and a hard working son of a bitch...His wife got sick a while back, and with no health insurance he signed on the dotted line thinking he was getting out of medical debt...well he did (artificially) through a refi..into a toxic mortgage, that just keeps going up and up.
He has owned the house for 15 years and well he told me just the other day, that he is looking for an apartment, and mailing in the keys..as he cant swing the cost...He is an out of work construction worker...and this is basically his only skill...he can do wonders with wood..but the work is just not there.
I try not to get to involved in other peoples business..but when you see the pain and utter loss on someones face...it really puts your own personal situation into perspective...
And no he has no Hummer he has no Harley..just a regular joe..trying the best way he can to make ends meet...who signed on the dotted line..with the quote...
"You can just refinance it in 2 years everything will be fine"
You mortgage broker KUNT!!
- December 24, 2007 6:46 PM
- Miss Goldbug said...
- This comment has been removed by the author.
- December 24, 2007 6:46 PM
anyone stopped to notice the hundreds of thousands of people who have lost their jobs due to the housing bubble bursting?
From mortgage companies, to financial institutions, to homebuilders, and all the others that have been effected by it.
All those jobs have simply disappeared. So its not just the housing gamblers that will stop making payments, but all those that have lost their jobs due to the ponzi scheme collapsing. Like a double kick to the nads.
- December 24, 2007 6:48 PM
- Bill said...
All these stupid "Yeeeah, I'm going to walk away and stick it to the bank" idiots are not only going to screw their credit and financial reputations for 7 years or more--
Umm Genious..if my eyes serve me correct...Credit scores have been tossed out the window for the last 3.5 years...so what now it matters....please you sound like a fool...go have some Egg Nog and add a little Geritol to it...it might help.
There should be a massive REVOLT.
You are correct...a REVOLT against the rich.
- December 24, 2007 7:01 PM
Too bad. Easy come and easy go, di*khead. I hope your asshat mortgages eat your lunch and the lunch of your shareholders - fu*king moron.
Smug Bastard
- December 24, 2007 7:03 PM
it's not like I am going to mail in the keys.. I find it unethical to just walk away from obligations.
Let's talk about what is so unfair. What makes it hard is my mortgage company is chapter 11, i am learning my house is worth about 15k less then what I purchased it for. I didn't put a downpayment on it, but I sunk 20k into the house to upgrade the heating system, windows etc nothing extra crazy stuff just the basics.
I didn't think I was buying at a bubble price and thought worst case with my improvements I'd break even .. well.. I owe about 15k less then what I originally borrowed and don't see a way out of this unless I take a 30k loss and come to closing with cold hard cash or short sell and make arrangements.
My beef on my scenario is I'll never get help but you know my mortgage company is taking everything as losses for the scumbags that do walk.. What really (when you do the math) outside of my morals should keep me from mailing the keys to the bank??
Seriously.. with the extra $2500 a month, my debt snowball would get me completely out of debt in 12 months.
Since my stupid worthless 800+ credit score which should not even matter (b/c having credit cards are a joke and the reason why I am in the mess I am).. I bought into the lie...
money is not cheap, there is never a fancy way to work your money.
We have a bunch of spoiled, un-disciplined people not realizing even with a 20% downpayment... if your prone to moving or wanting to upsize, we all would of been better off just renting until we had saved 50% of the cost of the house we wanted..
Rant-o-meter off now..
see the problem??? I will pay my mortgage, my house sits on the market.. I might have to rent it out.. all the while I am a renter in another state.
If 2009 or 2010 set my house back to 1980 or 1990's prices.. I am better off financially short selling and letting bank give me the 1009 form, paying the IRS and taking a hit on my credit score (if that even happens) and just getting free to get completely out of debt.
Then maybe, when I can afford it I'll buy a house outright or using a 15 year mortgage with 20% downpayment.. and I won't be mobile any longer.
BTW, I made 150k last year, I bought my house for 283k, May 2005 I tried to sell it for 300k this summer (after putting 20k into it) and now it's down to 277k with no serious bites.. willing to drop to 259k to dump it in 60 days. I can afford both the mortgage and rent on new place now. But you know I hate throwing the money away and knowing I am, like the rest of us, in over my head.
That is why the CEO is freaking.. b/c good people like me can't take a job transfer or promotion.. without the hit cutting hard.
It's time to use cash people. Stop paying with credit, period.
God bless and good luck..
- December 24, 2007 7:32 PM
You are correct...a REVOLT against the rich.
There already was a revolt against the neocon GOP fascists. They were thrown out on the streets like a bunch of cheap hookers in 2006. Madam Billary or BaCrock Obama will be the next Prez. The Socialists will turn on their Wall Street and hedge fund masters who have been funding them.
- December 24, 2007 8:08 PM
Dude, no 1009 or whatever it is. No IRS tax hit. Pres. Chimp signed off on a bill.
Just walk, now. Why lose more?
- December 24, 2007 8:24 PM
Wow, this is something I never thought would happen in my lifetime. Lenders getting screwed big time by borrowers. Reminds me of the good old saying: Never do a deal with a naked man, because he has no shirt to lose. Merry Christmas hombres.
- December 24, 2007 8:36 PM
It's time to use cash people. Stop paying with credit, period.
Credit is good for both sides when used responsibly and wisely. The people who should have regulated, were asleep at the wheel or taking the money to look the other way.
- December 24, 2007 9:19 PM
Lewis told the Wall Street Journal. ... I'm astonished that people would walk away from their homes."
Really? Well I'm astonished that B of A would walk away from it's obligations by halting redemptions on a money market fund. What's good for the goose is good for the gander.
- December 24, 2007 9:19 PM
I would LOVE to see 50% downpayments required; we'd be back to homeprices = 2x income...
And I'm talkin ONE breadwinner!
- December 24, 2007 9:54 PM
President Bush sure was proud of the rising percentage of home ownership... So how's that goin' George?
- December 24, 2007 9:58 PM
I've never owned a credit card. I never could understand why people had to borrow money just to buy crap.
- December 24, 2007 10:01 PM
I'm astonished that people would walk away from their homes."
Ofcourse he does! He a multimillionaire. I sure he actually owns his 10,000 sq ft mansion by now.
- December 24, 2007 10:02 PM
"Credit is good for both sides when used responsibly and wisely"
Are you implying that today's Americans are capable of wisdom and responsibility? How does that jibe with the instant gratification we all learned from watching TV 5 to 10 hours a day our whole lives? Is there anyone under 60 who ever really "grew up"?
Turns out, you have to decide to grow up; turns out growin' old ain't the same as growin' up.
- December 24, 2007 10:15 PM
"I am astonished that people will walk away from their homes."
Come on now Mr Lewis, don't be such a schmuck. These people are not walking away from their homes, they are walking away from your homes whose values are dropping like stones. You thought they were ignorant fools but look who's singing the blues now. You have been had, and the teaser freezer plan is now going the way of the super SIV. Got REO?
- December 24, 2007 10:25 PM
- AndrewHac said...
Oh My GOD--I am just getting so sick to even call myself an American lately...
The Americano is as toasted as a skewered snapper turtle on a stick from ass to mouth sizzling and roasting nicely over a bed of white hot charcoal.
It is a shame to be an Americano as never before...
- December 24, 2007 10:47 PM
I wonder: is it "illegal" to stop making house payments, even if you can afford to keep making the payments?
If not, it's a pretty practical thing to walk away from a house once you've financed it to the hilt. Convenient way of selling the house, too. No bothering with realtors, and all that. Just HELOC!
- December 24, 2007 11:11 PM
I've never owned a credit card. I never could understand why people had to borrow money just to buy crap.
NOT everyone is using credit cards to buy crap.
Because wages across the US suck, people have used credit cards to pay for basic necessities, like food, gas, medical bills, you name it. Yes it was wrong, but credit cards at least were and are a temporary solution to the systemic problem of low wage jobs that millions and millions of Americans are expected to live with.
- December 24, 2007 11:12 PM
It's CYA time. Lewis doesn't give a crap about the bank, he is just proclaiming his ignorance from the roof tops so that no-one will prosecute him. He will eat caviar while people riot in the streets.
- December 24, 2007 11:34 PM
Each Home Debtor has the keys to his own prison. Mail them in if you have no equity. Credit scores are a contrvance of three corporations and if enough debt slaves revolt by mailing in the keys, the credit score whores will be faced with a similar sea change as their FICO scores will no longer be a valid marketable metric for debt ranking the future in hock slaves going forwrd. Go off the FICO grid! Walk away from the banks collateral you mistakenly called your house, pay cash. Reapply for credit if you actaully have to have it by walkintging into a BofA branch and explaining you are an illegal alien from Mexico. They will fall all over themselves to give you a card with either little of contrived application documentation.
- December 24, 2007 11:48 PM
- bobn said...
Sh1t! F*ck!
All this time I've been ranting against the "just walk away" message here, and the putz's in congress and the Commander in Chimp just told everybody to go ahead! In fact, they just told everybody who even thinks they may be upside down in the next 2 years to just go ahead and walk away with no penalties.
I'm a complete f*cking sucker! I had a FICO of 743, bought a house I can afford with fixed interest rate loans in 2005, and I'm an idiot for staying!
- December 25, 2007 1:26 AM
Hey Andrew Hac, why do you hate "Americano's" so much. The correct term is American by the way. We Americans are the wealthiest nation on the fact of this earth and for about thirty years people have said "oh, America is finished, the end is near for them, etc...". So keep thinking that we are finished. We are the only game in town. We make up 25 percent of the entire world's economy. No one even comes close. So we can live without the rest of the world, but the rest of the world can not live without us. If we sneeze, the rest of the world will catch a flu you fool! I am so sick and tired of your anti-American rants.
- December 25, 2007 4:36 AM
Plastic keys...
You mean they HELOCed the kid's playhouse, TOO??
- December 25, 2007 4:43 AM
Monkeys. *L*
- December 25, 2007 5:03 AM
- Miss Goldbug said...
Another reason to walk away...
If someone can actually make the payments on an overpriced home for 30 years and rationalizes that sure, they overpaid, but they can afford it...
Think about paying 30 years of interest on an house costing more than 8x salary. At the end of 30 years, including interest, the 8x salary house almost doubles.
- December 25, 2007 2:39 PM
- Miss Goldbug said...
Anon said:"I would LOVE to see 50% downpayments required; we'd be back to homeprices = 2x income...
And I'm talkin ONE breadwinner!"
I agree! mortgage was based on one household breadwinner back in the 1960's. Loan standards were that way for a reason...we need to return to what works.
Houses are just places to live.
- December 25, 2007 2:52 PM
- Bill said...
Serious Andrew...some of what you say it truth But i am sick and tired of your anti American bullshit..and your Americano crap...
What if i were to say I think Wet Back Mexicans are toilet paper on my ass and you are the first wipe...
Dont like it huh...cut the shit..Oh and give me back the Welfare check you have been living on ...after all its dirty American right.....
- December 25, 2007 3:12 PM
Amazing how these criminals made billions in bonuses the past few years by raping their companies and the country and now they all claim ignorance. These people are not that stupid. They did this on purpose for the fees and huge bonuses, not caring about the carnage they left behind. If the system collapses, they should dragged out of their mansions and lynched.
- December 25, 2007 4:58 PM
Lets just say there was a person who sold their house and was sitting on the cash. He also had 0 debt and a near 800 credit score. With available lines of credit close to $300,000, would you suggest this person buy gold and silver or sit on cash with credit lines as safety net.
What to do?
Short the Market or go long?
Buy dry goods, guns and ammo, silver and gold?
Do nothing and wait?
Lets hear it HPers, what would you do?
- December 25, 2007 6:31 PM
"There's been a change in social attitudes toward default," Lewis told the Wall Street Journal. "We're seeing people who are current on their credit cards but are defaulting on their mortgages. I'm astonished that people would walk away from their homes."
Hey, Mister brilliant banker, Master of the Universe, didn't you ever realize that when you give out 100%+ LTV on property in a massive price/rent bubble, it isn't their home?
It's yours!
You tried to scam the dumb sheeple of America, but you scammed yourself.
HousingPANIC glossary:
2005: FB's == F@cked borrowers
2008: FB's == F@cked bankers
We all carped back in 2005 that these FB's were just "renting from the bank".
Guess what?
We were right about that too.
In every way.
It's just like those """off balance sheet""" SIV's. A.k.a, "sort of, but not quite sold".
20% down in cash == "we're in it together". Low probability of default, except involuntarily in major recession.
0% down == "slam, bam, thank you, Suzanne."
Please, for your own good, memory wipe your malfunctioning C3GOP policydroids and beg for strict government regulation.
You have to stop the stupid bankers before the next stupid bubble. If you're all regulated equally then you don't have to keep up with the Tangelos. You can call Federal Agents on them instead.
- December 25, 2007 7:08 PM
I wonder: is it "illegal" to stop making house payments, even if you can afford to keep making the payments?
It's a civil contract issue, not a criminal one.
It's not "illegal" in that sense.
The bank can sue you, but traditionally it's less expensive and legally much easier to seize the collateral, which is the reason why mortgages loans were backed by collateral. Now the collateral isn't worth crap.
If you're really rich with liquid assets to seize, they might sue.
99% of people aren't, and the banks probably can't tell anyway.
If you're going to pull this stunt, make sure you have no assets deposited with your mortgage company or affiliates thereof. That they will seize or freeze right away and they'll probably get to keep it.
- December 25, 2007 7:16 PM
Sh1t! F*ck!
All this time I've been ranting against the "just walk away" message here, and the putz's in congress and the Commander in Chimp just told everybody to go ahead! In fact, they just told everybody who even thinks they may be upside down in the next 2 years to just go ahead and walk away with no penalties.
I'm a complete f*cking sucker! I had a FICO of 743, bought a house I can afford with fixed interest rate loans in 2005, and I'm an idiot for staying!
Hey... you.. I feel the same way.. which I ranted earlier about being completely torn between just dealing with the 30k I'll owe the bank when I do sell this spring b/c of my depreciating asset or just saying.. let them the bank deal with the BS involved with losing that money, cut the crap and mail in the keys.
I feel like such a sucker. really stupid. My mess isn't great, and not the worst either.
Cash is King!
- December 25, 2007 9:56 PM
With the change in short sale tax laws, the strategy has changed. Now you call your lender and say if you foreclose on me, I'll vacant the house leaving it to the vandals that will drop what you can get for it by another 15-20%. But if you short sale (no big ding on the credit) I'll stay in it till its sold.
- December 25, 2007 10:08 PM
[i]WHY rob banks when you can just gut your house of hundreds of thousands in equity, spend it all,and let the Tax payers of America foot the bill??[/i]
A reporter asked a 1930's era bank robber why he robbed banks, and he replied, "because that's where the money is".
As your post says, many consumers realized that it was easier to rob the banks via HELOC, and hell of a lot safer! Why stick-up a bank when they'll just mail a check to YOU? White-collar crime became mainstream, and even featured on late-night infomercials.
Yep, this 1099 debt forgiveness is truly the PERFECT icing on the Credit Bubble cake, coming from Bush and current members of Congress. It's now official: debt CAN be walked away from, no questions asked.
In this act, we've just witnessed the complete separation of moral hazard from 'borrowing'. Free market, my ASS, when losers on both sides (the lender AND borrower) are artificially propped up by a corrupt and bankrupt government!
Since there's little-to-no loss experienced by the so-called 'buyer' (most buyers NEVER put any funds into a house via down-payment, and many got cash-back on closing, or extracted fake equity from the home the BANK owned), there's no reason for 'buyers' NOT to complete the process if they get upside down!
FBers took a gamble on rising home prices, but hey, it's not going to work out as they were promised, so now they'd like to cancel that purchase after a year or two. No harm, no foul, right?
It's like losing on a spin of roulette in Vegas, but then saying "I want a do-over". Can you imagine the casinos in Vegas allowing THAT? What nonsense.
Bush et al could've not encouraged irresponsible borrowing more than they just did, other than by sending large envelopes with postage pre-paid and pre-addressed to the respective lender, telling people it's OK to mail in the keys!
Those 1099s represent funds defrauded from the GOVERNMENT, and the rest of us taxpayers! The government has an obligation to pursue that debt; Bush has already spent rounds of drinks for the bar like a drunken sailor on leave; hasn't his administration already saddled us with mounds of debt due to spreading his war campaigns world-wide? I swear, we couldn't have undermined our country faster had we just handed the reins of government to the likes of Fidel Castro!
Notice how I've put the term 'borrow' and 'buyer' in parentheses: that's because these people who got upside down no more 'borrowed' the funds for the mortgage, since there was NO expectation that the person would repay! It's like when a young person takes a 'loan' (wink, wink) from their parents, knowing full well they won't expect it back....
What we're witnessing is a collapse of the social contract of borrowing and lending, which is fundamental to the credit market: if there's no expectation of repayment, people will stop lending. Isn't that obvious? DUH!
- December 25, 2007 10:23 PM
- Paige Turner said...
RE: Bank of America CEO Ken Lewis told editors of the Wall Street Journal that he's worried about borrowers with strong credit scores not making loan payments IF the housing crisis worsens.
IF the housing crisis worsens?
I don't think there is any IF about it.
- December 26, 2007 2:23 AM
Umm Genious..if my eyes serve me correct...Credit scores have been tossed out the window for the last 3.5 years...so what now it matters....please you sound like a fool...go have some Egg Nog and add a little Geritol to it...it might help.
LOL...Umm Einstein, Don't you mean "genius"?
- December 26, 2007 9:03 AM
To be honest, whats the point in staying in a house your upside-down on (especially by the amount in question, 5-20%)? Especially if you're having the difficulty in making the payments due to a horrible mortgage deal and you don't have to pay taxes on the forgiven debt. Just playing the numbers, it doesn't make sense to stick.
As to honor, well thats nice and all but when I see the financial companies playing by it, then I'll bite. Otherwise its the age-old rule, do unto others before they do unto you.
- December 26, 2007 10:49 AM
Yes it finally has happened, I handed in the plastic keys to my Fischer-Price plastic house and just walked away.
Let me tell you of my sad story. The value had definitely declined due to sun bleaching.
I also believe I paid too much for it. It was a "do it yourself" type. The sample homes were on display at Toys R Us and a very shady salesman told me now was the time to buy. He convinced me it was a good "investment". I bought in at what I thought was a "bottom" price. Well, I paid too much when I checked the local sales flyers from other companies in the business.
I missed a few credit payments and after several failed attempts at trying to sell it and using various tactics such as "Lawn Sale", "Open House", "Price Reduced", I finally had to face reality and realize that I would soon be homeless.
The home is now cardboarded up and sits on an uncut lawn. It is one among many in an area devastated by overpurchasing.
No doubt, I will return to my steam vent and cardboard carton home, but at least it is a lot cheaper than being a home owner.
- December 26, 2007 2:08 PM
Would it be correct to assume that every new house sold in 2005 or 2006 will now be vacated?
- December 28, 2007 1:44 AM


text:
Male • 41 weeks
Puppy ID #631239
DOB December 4, 2019
Available I'm ready today!
Color Yellow
Mom's Weight 65 - 70 lbs
Dad's Weight 80 - 85 lbs
Registry AKC
Variety English
4/4 steps complete
Bonded with Mom
Old Enough
Weighs Enough
Labrador Retrievers are the lovable, family-friendly dog we all know and love! Labs have been the most popular breed in the United States for 25 years running. One of the older recognized breeds, Labradors were originally bred to be strong, active retrieving dogs that excelled in hunting and swimming. Today, they are known for their outgoing and energetic personalities, and are extremely intelligent and devoted pets. These pups have a high energy level and therefore require a significant amount of exercise. Labs are an incredibly versatile breed, as they can excel at anything from K9 police work to agility to service work for the disabled. Full grown labs are medium sized, typically weighing in at about 55-75 lbs.Read More
We do all of the 'ruff' work - screening and vetting breeders, performing health checks and coordinating travel so you can focus on what really matters: welcoming home your new furry family member! Learn more
PuppySpot will help find the right puppy for you. Search by breed or take our Breed Match Quiz to find the perfect furry friend.
Connect with your very own Puppy Concierge, who will help you find your new best friend!
A friendly Puppy Manager will help get your pup home safely! Take a peek at our pup-friendly travel options.
Congrats on your new furry family member! Don't forget to share your Wet Nose Moments on social media using #PuppySpot.
Michael B.
Labrador Retriever
PS was able to walk me through the whole process. Very professional and were able to answer all my questions. I would do it all over again. I found the App a bit difficult to use.
John S.
Labrador Retriever
Great company. This company is a very trust worthy family. We have been nothing but pleased with every part of this experience. Don't hesitate in trusting them to deliver on all their promises. Thanks again puppy spot we love our little guy.
Chin G.
Labrador Retriever
Our whole experience with Puppy Spot was nothing than stellar. They constantly provided information and updates on our puppy, from his development, preparing for his arrival, and travel arrangements. They vet all their breeders and ensure your puppy is in the best of hands. We couldn't be happier with Puppy Spots' level of service and would recommend it to anyone hoping to add a fluffy or furry one to their family.


text:
Complete this form to apply for the Mobile Sales & Service Technician (Ref: MSST MILTON KEYNES) role.
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Pirtek Milton Keynes
Contact Name
Dave Williams
Salary plus open ended commission and bonus scheme
Tel: (01908) 565 500
Fax: (01908) 567 700
Email: [email protected]
Unit 95 Caxton Court, Garamonde Drive, Wymbush, Milton Keynes, MK8 8DD
We are seeking an outgoing and competitive MSST (Mobile Sales and Service Technician) Servicing on site hydraulic hoses repairs in Milton Keynes and surrounding areas. We are looking for a self motivated person who can work well as part of a team. We would prefer experience in a mechanical plant or engineering background and will offer training for the right person. There will be an after hours call out roster which is on a 24 hour basis which you will be expected to undertake and includes weekends and bank holidays all year round. You will need to hold a full UK driving licence and be willing to complete an online driving licence check.
Fill in our quick form below and we'll get back to you as soon as possible:
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text:
Trj0006bbnl Rj45 Connector - Chinaprice: 0.62 Dollar US$
10/100Base-T RJ45 Jack
Tab down
With Led, No emi-fnger
Led: Green & Yellow
Single Port
Length= 21.25mm
Pin type: the soldering
UL, Reach, RoHs, ISO9001: 2008
Free sample available for testing
1. Designed to support application, such as SOHO (ADSL modems), Lan-on-motherboard (LOM), hub and switches.
2. Meets IEEE 802.3 specification
3. Connector Materials:
Housing Material: Thermoplastic PBT+30%G.F UL94V-0
Contact Material: Phosphor Bonze C5210R-EH Thickness=0.35mm
Pins: Brass C2680R-H Thickness=0.35mm
Shield: SUS 201-1/2H Thickness=0.2mm
Contact plating: Gold 6 micro-inches min. In contact area.
4. Wave solder tip temperature: 260℃ Max, 5 Sec Max
5. UL Certification: File Number E321120
Company Contact:
- Posted By: Shenzhen Trxcom Electronics Co.,Ltd
- Phone: 8613554918626
- Address: Minzhi Town, Longhua District, shenzhen, Guangdong , China
- Email:
- Website: http://www.trxcom.com/
Published date: August 30, 2016 -
- Business Description: The products are widely used in networking and communication equipments such as HUB, PC card, Switch, Route, PC Mainboard, SDH, PDH, IP Phone, Xdsl Modem.
1) 10/100/1000M LAN pulse transformer and filter
2) RJ45 connector with 10/100/1000M magnetic
3) T1/E1, T3/DS3/E3.STS-1 interface line transformer
4) ISDN, HDSL, ADSL and VDSL interface line transformer and splitter
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text:
R & B singer Monica and Los Angeles Lakers shooting guard Shannon Brown are finally ready to share their good news with the world.
The couple, who were secretly married in November, have finally gone public with the news of their union, reports PopEater.
Brown revealed the nuptials in a post-game interview after a recent Lakers game.
U.S. & World
"It's true," he said. "I really don't know what else to say about it. It's true. That's my wife. I'm her husband. We're gonna continue to make positive things happen."
The couple met last year when Brown made an appearance in Monica's video for "Love All Over Me." They began dating a few months later and were engaged in October of 2010, with Monica announcing their engagement via Twitter. Though she received some pushback for the speed of the engagement, Monica stood by her decision.
"We realize people will have their opinions," she replied on the social networking site. "That's they way of the world. But we know who we are & who's we are."


text:
Just added to keep track of what need to be verified.
I'm having a problem with freezing. When the host performs an action that demands a lot of CPU time (like opening or closing an application), the viewer freezes and does not recover unless minimised&restored or with the Request Screen Refresh command. No amount of waiting will make the viewer recover on its own.
•Viewer stops updating
•Host CPU fan briefly spins up (often, but not always)
•Host still receives input from viewer connection - even after several minutes of the viewer being frozen. If I'm looking at the host monitor, I can still interact with the mouse, for example.
My versions are 126.96.36.199 (downloaded 31 Jan 2016). My previous versions were 126.96.36.199. Both host and viewer are running Windows 7 64-bit and are connected by an ethernet cable. The earlier version did not have this problem.
Changing the following settings does not fix the problem:
•(viewer) Reconnection attempts
•(viewer) Timeout
•(host) mirror driver
•(host) SChook
•(host) multiple connections
•(host) RDPmode
**Viewer scale has a problem.....
UltraVNC v.220.127.116.11
Connection Options -> Viewer Scale now defaults to checked (new behavior), when unchecked UltraVNC will cause a windows GPF.
UltraVNC 1.9.0
Connection Options -> Viewer Scale can be checked and unchecked and behaves properly.
**SC update
+detect new servers OS's
+sha2 cert needed
**screen rotation win10
**ipv6 support


text:
New York Nightlife
Pier Pressure™
New York New Year's Eve Fireworks Cruise 2021
Come aboard the Majestic Princess, a gorgeous, 250-passenger and fully-heated luxury yacht, with multiple levels and decks to find the perfect atmosphere. Enjoy a spectacular New Year's Eve at NYC Harbor Cruise with amazing views of the New York & New Jersey skylines, the Statue of Liberty, and arguably the best NYE fireworks show in the world.
Take a look at all the perks that are available for you on this amazing yacht party:
So don't miss out on this amazing Pier Pressure New Year's Eve Countdown Cruise with you, your significant other, and all your friends alike having the time of your lives!
Dress Code: Dress to impress
:| All sales are final; no refunds or exchanges. Prices are subject to change while supplies last. This event happens rain or shine. If the fireworks show is canceled for any reason, the cruise will still happen and no refunds will be granted.
Subscribe to the Ticketvibe Newsletter to keep up with news & special offers


text:
Academic Policy Details
Satisfactory Academic Progress
William Woods University requires all students to make satisfactory academic progress. Satisfactory academic progress is determined through two measures; GPA and course completion rate.
Following are the minimum requirements for both:
Traditional Undergraduate Students:
Students in undergraduate programs must achieve a minimum grade point average of a 2.0 during any academic year. Undergraduates will not be eligible for federal financial aid if they do not annually meet this minimum of academic progress. Bright Flight Scholars must maintain a cumulative GPA of 3.0 for renewal. Missouri College Guarantee Program recipients must maintain a minimum cumulative GPA of 2.5 for renewal. In addition, students must complete their bachelors degree within 180 attempted hours and/or associates degree within 90 hours.
Attempted hours include the following:
Cumulative hours earned
Hours withdrawn (received a W on transcript)
Repeated courses
Failed courses not repeated
All hours attempted at other institutions
These policies apply to the Semester Program/On Campus students only. Graduate College Students will need to consult the Graduate College Bulletin.


text: What is one of the reasons I love the fall? Boots, boots and more boots! The change of season inspires me. Plus, there are so many choices of boots to suit anyone's needs and desires. From stilettos to knee-highs, booties, cowboy, suede and buttery leathers, most of these styles are perfect for daytime and will walk you right into the evening hours.


text:
Google Earth is of little use here, but we found an image online by Steve Burrow of Bournemouth which shows a full archaeological survey map of the Knowlton Rings. Since that image is copyrighted, we redrew the entire map to a larger size (it may not be exactly to scale as a result) and added our astronomical explanations.
Two images were required to be able to show the full correspondence of the barrows and tumuli on Earth with the stars in the heavens.
The Pleiades are so clear as be without any possible astronomical dispute. Indeed, even the famed seven-star symbol of the Pleiades is apparently used. However, the Pleiades doe not represent this megalithic site, but have only been added here for completion of the location by the ancients.
Knowlton itself is defined by the stars of Taurus near Aldebaran and the Hyades. In Taurus, stars important to marking the Vernal Equinox point on the ecliptic are given priority so that the major star Aldebaran is only marked to the right of the larger rings without any greater significance, as it is not on the ecliptic. The same holds true for the Hyades. However, numerous stars can be identified with little difficulty, as shown in the following images.
Image 1 of 2 of the Decipherment of the Knowlton Rings
Image 2 of 2 of the Decipherment of the Knowlton Rings


text: Neil is a self confessed Mac monkey based in a rural miners cottage 20 miles north of Manchester. He creates pieces that combine elements from mixed media, photography that are interlaced with complex vectors to create pieces that always hit the brief for clients all around the world. He is always hungry for the latest commissions and trends.


text:
Q. This may be a stupid question, but I just want to be sure. Between the $1,700 tax credit for the hybrid I will receive, as long as it is delivered by 9/30/08, and the sales tax credit of about $2,900 I will exceed my total tax liability for the year. In addition, because of my medical expenses, and I am having dental work done now also, property taxes, new home equity interest, and the usual I will have lots of deductions. If I exceed my tax liability will I still receive the balance of the tax credits as a refund? If not, I could always cash in some more bonds.
A. There is no such thing as a stupid tax question – only stupid taxpayers (who don't consult a competent tax professional)! The question actually brings up an excellent tax-planning point.
First of all, the "sales tax credit of about $2,900" to which he refers is not actually a credit (a credit is a dollar-for-dollar reduction of tax liability). He is talking about the "above the line" tax deduction for sales or excise taxes paid on the purchase of a new automobile. His Adjusted Gross Income (AGI), and not his tax liability, will be reduced by $2,900. He also mentions excessive medical expenses, so the $2,900 "above the line" deduction will increase his allowable medical deductions by $218!
He is basically asking if the $1,700 energy tax credit for purchasing a hybrid car reduces his tax liability to below "0" will he be able to receive a refund of the unused credit. The answer is no.
Most tax credits are not "refundable". Only the Earned Income Credit, BO's new Making Work Pay Credit, a portion of the new American Opportunity Credit for tuition and fees, and possibly the Child Tax Credit are "refundable". By "refundable" I mean they are treated as additional withholding and can be applied against "other" taxes, such as the self-employment tax and the penalty for early withdrawal from a pension account, and ultimately added to the taxpayer's refund.
In the case of my friend – he is single with no children, recently retired (late 2008) - though not receiving Social Security or Railroad Retirement - and will be reporting some nominal net earnings from self-employment for 2009. The only "refundable" credit to which he will be entitled is the Making Work Pay credit, which is based on 6.2% of his self-employment income. The MWP credit can be applied against his self-employment tax for the year.
However with reduced income due to retirement and excessive deductions due to special situations it is very possible that the $1,700 hybrid credit will exceed his federal income tax liability. In such a case the excess hybrid credit would be lost.
In this particular case the taxpayer has a large "inventory" of US Series E savings bonds, both purchased and inherited, that are still earning interest. He plans to cash in a certain amount each year, determined by tax planning, to supplement his income until Social Security kicks in. He has already cashed in the bonds scheduled for 2009.
What we will do is prepare a "preliminary" 2009 tax return in late November or early December as part of regular year-end tax planning. If at that time we determine, based on year-to-date information, that his tax liability before the hybrid credit will be less than $1,700 he will cash in enough additional savings bonds to generate the amount of taxable interest income needed to use up the excess credit. By doing this the additional savings bond interest will be totally tax free (US savings bond interest is already tax free on the NJ-1040)!
FYI, my friend and client uses the Savings Bond Wizard software available online to properly "inventory" his bonds so that he knows how much interest each bond will accrue for the year.


text:
Boys adidas Originals Samoa - Grade School - Trace Khaki/White/Gold Met
$49.99 $59.99
Step up your style in these boys' adidas Originals Samoa sneakers. This shoe marks the return of a popular '80s style featuring toe-bumpers and the iconic 3-Stripes for classic adidas style. Synthetic textured upper brings style and durability. Toe-bumper offers durability and protection. EVA midsole cushioning provides comfort for all-day wear. Rubber outsole with Trefoil tread enhances traction.
Browse all deals at Kids Foot Locker
See more in Shoes
* This offer may contain time-sensitive information and offers. Please check with Kids Foot Locker to confirm actual price & availability.
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text:
The environmental and social approach is structured around six key issues:
1. Be eco-friendly on a daily basis to limit our environmental impact.
2. Reduce CO2 emissions due to our transport.
3. Involve our suppliers in our approach.
4. Consolidate the eco-design approach for our products.
5. Take part in protecting biodiversity.
6. Strengthen our social responsibility.


text:
I've recently started using Unison to keep all my photos in sync between my Windows desktop machine, a Windows laptop and my Mac mini server.
It works really well, however the other day I started seeing the following error:
Fatal error: Warning: inconsistent state.
The archive file is missing on some hosts.
For safety, the remaining copies should be deleted.
Archive ar604df3 on host HOLLY is MISSING
Archive ar4fcd50c1d8c24915dbcbc359c32578fe on host Hal.local should be DELETED
Please delete archive files as appropriate and try again.
I couldn't locate the archive file on Hal (the Mac mini) to delete it, until eventually I found it in:
/Users/my-username/Library/Application Support/Unison
Once deleted, Unison continued happily on its way.


text:
Johns Hopkins to begin performing facial transplants
Program is unique to Baltimore hospital
Doctors at Johns Hopkins Hospital will soon start doing rare facial transplants after a university institutional review board signed off on the program last month.
The complex surgeries have only been performed 22 times throughout the world and only once in Baltimore, at the University of Maryland Medical Center in March.
Surgeons at Hopkins said they're in the process of screening potential candidates.
"It's a transplant from someone else. It's designed specifically for the person," said Hopkins surgeon Dr. Chad Gordon. "You can actually design it where you can bring over the bones along with the face to actually reconstruct everything to try to restore the appearance back to how they were previously."
Gordon is part of a specialized team of 50 to 60 experts brought together over the past year, including plastic surgeons, transplant surgeons, infectious disease specialists and psychologists.
"They're people who may specialize around the eyes or around the mouth or specialize in hooking up tiny blood vessels underneath the microscope. They're people who specialize in hooking up tiny nerves together so you're able to smile or blink," Gordon said.
The donor process is similar to how it works with liver, heart or kidney transplants. The hospital said it works with an organization and gets special consent from the donor family.
Docs: Most important part is rehabilitation
"The surgery itself is not the magic cure. It's really the rehabilitation after the surgery that helps the brain adapt to their new face. It also helps to stay compliant with medicines to make sure the immune system doesn't reject the face," Gordon said.
He said what makes Hopkins' program unique is immunotherapy protocol, which is a process that reduces the amount of medicine patients need after surgery.
"We try to minimize the amount of immunosuppression that we put these patients on," Gordon said. "The way we're able to do that is to use the donor's bone marrow at the time of facial recovery, which is unique to Johns Hopkins."
Hopkins officials said they currently have three to four possible candidates. Potential patients are evaluated to determine if they can handle the extensive surgery and post-surgery work.
Surgery time can span up to 35 hours, and the rehabilitation process can take up to two years.


text:
Top 10 Highest Paid Male Athletes
Why do they Make So Much?
In honor of the Olympics I thought it would be fun to explore the idea of money in sports. So I headed over to Forbes' list of the 10 highest paid male athletes.
This list is based on earning for the period of June 1, 2007, and June 1, 2008. Some things that are interesting to me about the list. Michael Jordan has been retired since 1999 and earns all of his money from endorsements. It shows just how big of a star he was, that 9 years later he is still the #3 earning athlete.


text:
Chicken Piccata
This is pure comfort food for me.
Chicken Piccata was a standard in our household when I was growing up. Although for a while it was referred to Tonkatsu Chicken as my brothers and I preferred to dip our chicken in Tonkatsu sauce (basically a Japanese Worcestershire sauce) rather than squeezing fresh lemon over the top.
I digress. This is such a simple dish…and very easy to make on a weeknight as well. Although I don't have a crowd to feed…it was always a crowd-pleaser. The chicken breasts I used were humongous…I probably should have cut each one in half once I had pounded them and saved half of the meat for another meal. But it did make for some great leftovers, so I can't complain.
Chicken Piccata
2 chicken breasts, pounded thin
2 eggs
1 cup flour
1-2 cups of breadcrumbs (panko or regular)
2 lemons (1 sliced and 1 juiced with seeds removed)
1-2 tbsp. capers
1 bunch of fresh flat-leaf parsley
2-4 tbsp. of butter
½ cup of white wine
First, place 1 chicken breast in a gallon size ziplock bag and using a meat pounder or rolling-pin, pound each breast until it is about ¼ to ½ inch thick. This helps tenderize the meat and will help it to cook evenly and much faster. Next, open a bottle of wine…pour yourself a glass and leave some to help deglaze the pan.
Next, ready your breading set-up. Shallow bowls or plates with a lip on them, or even cake pans can work really well for this.
I was gifted these a few years ago and LOVE them. They link together so you avoid the drippy egg all over the counter and they help maximize your workspace as they fit together tightly unlike round plates or bowls would. When breading, remember wet sticks to dry and dry sticks to wet. So start with the flour, the next pan should have the eggs lightly beaten and the last pan is for the breadcrumbs and don't forget to season at each step. I heavily season the chicken breast before the flour dredge and I usually season the egg with salt and pepper as well.
Next, put your pan on the heat and add some olive oil and a pat of butter…the oil has a higher smoke point and the butter helps things to brown nicely. Once the pan is hot, gently lay the first chicken breast down. I turn the heat up a bit at this point because as soon as you add your chicken, the pan will cool quite a bit. If there's room (don't crowd the pan), add in the second chicken breast. I turn the oven on warm (150-180º F) so I've got a warm place to hold the chicken while I make the sauce.
Turn the chicken breasts once the bottom side is browned handling them gently as you want to breading to stay on the chicken. Remove the chicken from the pan once it is cooked through and the second side is browned as well – place on a plate in the oven.
Now it's time for the sauce. If there is a ton of oil in the pan, run a paper towel around to remove some of it without wiping up the little brown bits. Next, throw in half of your lemon slices and some of the capers, and cook a bit as you want them to break down. Remove the pan from the heat, and add the white wine to deglaze the pan and use a wooden spoon to get all the delicious browned bits up and incorporated into the sauce. Add in the juice from 1 lemon, a dash of salt and pepper let all the liquids combine. Before two much of the sauce has evaporated, add small and very cold chunks of butter to the pan and stir them in completely before adding the next chunk. This is called mounting the sauce with butter. The cold butter emulsifies and thickens the sauce. Just before serving add in the rest of the capers, another few slices of lemon and the chopped parsley. Plate the chicken, top with lemon and drizzle the sauce over and serve it with rice.
C'est Parfait!


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So Fresh Bath Mat
Design Details
Size Chart
Product Details
Redecorate your bathroom and add a personal touch with this customizable 17 inch x 24 inch Foam Microfiber Bath Mat. Have somebody going off to college? Help them decorate their new dorm or apartment with a stylish bathmat. Forget the boring bathroom accessories, spice it up with a personalized bath mat! Shower rod and shower hooks are not included.
- PLEASE NOTE: 3 and 5 day shipping options are disabled for orders that include this bathmat
- All measurements are provided by garment vendor; vendor tolerance for all measurements is +/-10%
- All provided measurements are in inches
Earn 10.00% when you sell this item.
Interested in Storefronts?
Interested in Storefronts?


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Tyler Doohan was credited with saving the lives of six of his family members when their mobile home went up in flames last week.
The 8-year-old New York state boy who died while saving the lives of six people in a roaring trailer fire was laid to rest Wednesday — complete with his own fireman's helmet and the title of honorary firefighter.
Mourners from across the country flocked to Fairport, near Rochester, to honor Tyler Doohan, a fourth-grader at East Rochester Elementary School.
Tyler raced through his grandfather's trailer home in suburban Penfield early on the morning of Jan. 20, alerting friends and family to a raging fire.
He was crediting with saving the lives of six people — including two other kids, ages 4 and 6.
But then he went back in to the inferno to try to rescue his grandfather, who used a wheelchair because he'd lost part of a leg. They never made it out. They were buried Wednesday with a third victim, his step-great-grandfather.
"Compassion has no end, and community has no boundaries," said Phil Buderic, basketball coach at Silver Lake College of the Holy Family, who traveled with his team all the way from Manitowoc, Wis., to serve as pallbearers at Tyler's funeral after being touched by the story.
Penfield Fire Chief Chris Ebmeyer declared Tyler an honorary firefighter, presenting a personal fire helmet during the service at St. John of Rochester Catholic Church, NBC station WHEC of Rochester reported.
"Tyler needed to be honored in a way that would reflect what he did that morning," Ebmeyer said, marveling at the "courage (and) heroism he displayed for such a young individual, at 8 years of age."
"Tyler proved there is good in everybody," the chief said.
Fire companies cross the country also added Tyler's name to their duty rosters in tribute Wednesday, the photos scrolling for page after page on the Facebook account of Firefighters Worldwide, an international firefighters community based in Mechanicsville, Va.
But Denise Alfieri, Tyler's fourth-grade teacher, said she would remember him as "the quiet boy who sat in the front row" and loved math and drawing.
"Tyler, I will miss you every day," Alfieri said. "To be honest, I still look for you to walk through those doors, just to see you smile one more time."


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The Muppets have been honoured with a Hollywood Walk of Fame star.
Kermit the Frog, Miss Piggy and several other characters from the hugely successful film and TV series were at the ceremony to mark the occasion, and the green frog puppet thanked fans for their support.
He said, "Hi everyone. Thank you for coming. I want to say on behalf of the Muppets that we are just really happy to be here on Hollywood Boulevard joining some of the greatest names in showbiz."
The mischievous puppets first appeared on TV in the 1950s, and last year's hit film The Muppets showed they are still a draw at the box office.
They are the 2,466th recipient of a Walk of Fame star and they were joined by Lisa and Brian Henson - the daughter and son of The Muppets legendary creator Jim Henson.
Lisa Henson said, "As the Muppets once sang, 'Look at us. Here we are. Right where we belong,' and yes they do belong thanks to the lovers and dreamers and you the fans."


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The Indiana Pacers, having rediscovered their groove after Victor Oladipo's season-ending injury, will look for their sixth consecutive victory when they host the Charlotte Hornets on Monday night.
The Pacers steadied the ship after losing their first four games without Oladipo, who suffered a ruptured quad tendon in his right knee on Jan. 23. Indiana's latest victory came Saturday night, 105-90 over the woeful Cleveland Cavaliers.
Indiana's five-game winning streak hasn't come against a Murderers' Row of competition. Three victories came against teams with losing records, while the best win was against the Los Angeles Clippers. But the Pacers are doing what they have to do and are hanging on to the third spot in the Eastern Conference, ahead of Philadelphia and Boston.
"Wins are hard to come by in this league, there's going to be ups and down. To this point, we had to go through that (four-game losing streak)," said center Myles Turner.
"I think that stretch was good for us because it kind of brought us down to earth a little bit and at the same time, I think it made us a little bit tougher."
The Hornets (27-28) have been hovering around .500 for the entire season, although the last time they had a winning record was when they moved to 16-15 on Dec. 21. They have split their past 10 games since losing at Indiana, 120-95, on Jan. 20.
That's been enough to keep them above water in the playoff chase in the East, buoyed by the All-Star season of guard Kemba Walker. He poured in 37 points in Saturday's 129-120 win in Atlanta, hitting 9 of 17 3-point shots en route to topping 30 points for the fourth consecutive game and 17th time this season.
"I'm just making the plays necessary," Walker said. "My shot has been falling. My teammates are doing a great job of getting me open. They're finding me as well when they're penetrating. I'm just being aggressive, but for the most part, my teammates are helping me score."
Some of that help has come from center Cody Zeller, who returned recently from a broken right hand that forced him to miss 16 games. He was back in the starting lineup Saturday and has averaged 8.3 points and 10.7 rebounds in three games since his return.
Charlotte veteran point guard Tony Parker, who has missed the past two games due to a back strain, was listed as doubtful on Sunday by the team.
Not counting Oladipo, Indiana still has six players averaging in double figures, led by forward Bojan Bogdanovic at 16.8 per game. He led the team with 23 points on Saturday night, when forward Domantas Sabonis (13 points, 10 rebounds) and guard Cory Joseph (10 points, 10 assists, nine rebounds) had strong performances off the bench.
In its five-game winning streak, Indiana has allowed more than 94 points just once. The Pacers lead the NBA in scoring defense, allowing 103.1 points per game.
"Togetherness. We've just been buckling down on the defensive end, covering for each other, playing the right way, we're looking for the right reads," guard Darren Collison said after the victory over Cleveland. "Everybody just seems like on one stream. When we're tied in like that we're hard to beat."
--Field Level Media


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Gun-free zones are invitations to mass murder, gun-rights advocates argued after a lone gunman's shooting rampage at the Sandy Hook elementary school in Newtown, Connecticut, Friday left 20 children and six adults dead. John Lott, author of the controversial 1999 bestseller More Guns, Less Crime, said in an interview with Newsmax.com Saturday it is no coincidence that mass shootings with multiple victims occur repeatedly in designated gun-free zones such as schools, shopping malls, and movie theaters.
"The problem is, whether it is the Portland [Oregon] shooting earlier this week, or the Connecticut shooting Friday, or the Sikh temple attack in Wisconsin, time after time these attacks take place in the few areas within a state where permit-concealed handguns are banned," Lott said. "It's not just this year, it's all these years in the past. And at some point people have to recognize that despite the obvious desire to make places safe by banning guns, it unintentionally has the opposite effect."
The effect, said Lott, is to encourage a killer to believe it will be easier to commit the mayhem he has in mind in an environment where no one will be able to shoot back.
"If you had a violent criminal stalking you or your family, and was really seriously threatening you, would you feel safer putting a sign up in front of your home stating, 'This home is a gun-free zone?'" Lott asked. "My guess is you wouldn't do that. And I've never run into any gun-control proponents who would do that either. And the reason is pretty clear: Putting a sign there saying this is a gun-free home isn't going to cause the criminals to say, 'Oh, I don't want to break the law, so I'm not going to go in and attack these people.' It encourages them to do it. It serves as a magnet for him, if he's going to engage in this attack, that that's the place where he is going to engage in, because he finds that it is going to be easier to do it there. Yet every time we have one of these mass shooting incidents, it renews the call from the media and the left for banning guns."
Lott recalled this summer's shooting at a movie theater in Aurora, Colorado, where 12 people were killed and 58 wounded when a killer opened fire with semi-automatic weapons.
There, you have seven movie theaters that were showing the Batman movie when it opened at the end of July. Out of those seven movie theaters, only one movie theater was posted as banning permit-concealed handguns. The killer didn't go to the movie theater that was closest to his home. He didn't go to the movie theater that was the largest movie theater in Colorado, which was essentially the same distance from his apartment as the one he ended up going to. Instead, the one he picked was the only one of those movie theaters that banned people taking permit-concealed handguns into that theater.
The 1999 killings at Columbine High School in Littleton, Colorado, and a number of school shootings since have prompted school boards and administrators across the country to resort to security locks, surveillance cameras, and emergency lockdown drills to prevent similar horrors from happening at their schools. None of that prevented the carnage at the Newtown school Friday, where alleged killer Adam Lanza reportedly shot his way through a school window to break into the building. In the path of a determined killer, a safe retreat to a secure hiding place is often impossible, Lott said.
"Simply telling them to behave passively turns out to be pretty bad advice," he told Newsmax. "By far the safest course of action for people to take when they are confronting a criminal is to have a gun. This is particularly true for the people in our society who are the most vulnerable."
While some have called for arming teachers and principals, former Secretary of Education William Bennett suggested on NBC's Meet the Press Sunday that one armed, trained person in each school might be enough to prevent the kind of massacre that occurred in Connecticut on Friday. Appearing on the same panel, Randi Weingarten, president of the American Federation of Teachers, quickly disagreed.
"We need to stop this routine view that having more guns will make us safer," she said. The AFT is calling on Michigan Governor Rick Snyder to veto a bill, passed by the state's legislature one day before the Connecticut shooting, that would allow the carrying of concealed weapons in schools. The bill passed over the opposition of the state's school boards, the New York Times reported.
Gun bans at public colleges and universities have been a hotly debated issue since a Virginia Tech student in 2007 killed 32 and wounded 17 people in a shooting spree that finally ended when, as happened Friday in Newtown, the gunman took his own life. That massacre, still the deadliest school shooting ever, led to arguments by gun-control opponents that the university's gun-free "safe zone" ensured that no one else on the campus would be armed and able to stop the killer.
A lawsuit filed the following year on behalf of two students and an alumnus at the University of Colorado led to a state Supreme Court decision in March of this year overturning the school's 40-year-old ban on guns. The court ruled the ban violated a Colorado law, passed in 2003, that permits the carrying of concealed weapons. Karen Jacobs, who teaches English at the university, told the New York Times in September that knowing students may be armed could have a chilling effect on campus debate.
"This is a place where we depend on being able to speak our minds and offer sometimes controversial opinions in a free and open place," Jacobs said. "The feeling among a percentage of faculty is that this will create a climate of fear and intimidation."
In an opinion piece published Friday on the USA Today website, University of Tennessee law professor Glenn Harlan Reynolds argued that the climate is more than fearful, it is deadly when people are denied the means to defend themselves and others against an armed attack.
"If there's someone present with a gun when a mass shooting begins, the shooter is likely to be shot himself," Reynolds wrote. "And, in fact, many mass shootings — from the high school shooting by Luke Woodham in Pearl, Miss., to the New Life Church shooting in Colorado Springs, Colo., where an armed volunteer shot the attacker — have been terminated when someone retrieved a gun from a car or elsewhere and confronted the shooter."
Reynolds said a number of his students have permits to carry guns but are barred from bringing them onto the university's gun-free campus. After the Virginia Tech shooting, he recalled, a student asked if the class could be taught off-campus because she felt unsafe being unarmed.
"Given that gun-free zones seem to be a magnet for mass shooters, maybe we should be working to shrink or eliminate them, rather than expand them," Reynolds wrote. "As they say, if it saves just one life, it's worth it."
Related articles:
Gunman Forced Way Into School, Shot 26 Victims Multiple Times
China School Knife Attack, Portland Mall Attack Receive Little Coverage


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Infograph: What Men and Women Really Think About Valentine's Day 2011-02-09 23:55:00
Sugar Shout Out: What Men and Women Really Think About Valentine's Day
- Check out our Valentine's Day survey results on love, sex, and celebrity crushes!
- 15 couples who played couples
- Gray stripes for gray days
- One fast way to stop spam texts
- Diaper cakes to buy rather than craft
- I'm a huge fan Jennifer Aniston: prepping for the interview!
- Open face (mayo-free) egg salad sandwich
- How to give a great head and neck massage for Valentine's Day
- Sneak peek! Vera Wang's lower-priced David's Bridal line
- Generic vs. brand-name drugs: are they both the same?
- Put down that can: diet soda may increase stroke risk
- Fleabusters safely and naturally rids your home of fleas
- Naturalist-inspired Spring mantel
- Robert, Leighton, Shia, MK, and Ashley: 25 stars turning 25!


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Based on the emerging national consensus that science is best taught and learned in an interdisciplinary context, Augustana has created a biochemistry major as a collaboration across several departments.
The major is composed of classes from Biology, Chemistry, Mathematics, and Physics. The nature of how science is currently studied and implemented in the workplace heavily favors those who are readily able to integrate across these disciplines.
Why Study Biochemistry?
Students will achieve a broad background in the natural sciences that prepares them for a variety of post-graduation options, including research positions, graduate studies, professional health disciplines, biotechnology, chemical industry, and other professions.
Students graduating with a biochemistry major will have the ability to communicate in a variety of scientific "languages" and position themselves at the forefront of integrative scientific discovery.
Previously, students desiring to attain a degree in both biology and chemistry needed to double major, or obtain minors, in these fields. Biochemistry offers an alternative to the demanding class load required by a biology-chemistry double major. While still a large major, biochemistry offers an interdisciplinary degree for those students hoping to pursue studies across both fields.
In addition, a biochemistry major allows students greater freedom to explore a wide array of courses and areas within the liberal arts curriculum, as well as providing opportunity to further explore additional courses of interest within the sciences.
The biochemistry department will prepare you to enter employment with many skills, the most important of those being how to go about answering a question you don't know the answer to.


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SAN DIEGO (AP) The San Diego Chargers have placed outside linebacker Antwan Barnes on injured reserve and re-signed guard-tackle Reggie Wells.
Barnes played in 11 of 12 games this season. He had three sacks among six total tackles, including two sacks in a loss to Baltimore on Nov. 25.
Wells spent time with the Chargers earlier this season, but did not appear in any games. The Chargers (4-8), who play at Pittsburgh on Sunday, need depth on the offensive line due to injuries.


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If you're coming in over the transom, I know you won't know what the hell that means.
So, here 'tis: a month ago, I found out my novel, "Between Clubs," was selected as a semi-finalist in the Amazon Breakthrough Novel contest. The contest is a way to pick the "best" novel from a bunch of unpublished ones.
The semi-finalists get a three-part reviewing process: customer reviews, an Amazon.com Top Reviewer, and a Publishers Weekly review. The top 100 from the semi-finalists move on … then the top 10, 3, and then they pick a winner.
The PW review of my book is a hatchet job. But it's also riddled with errors, the kind that you'd only make if you'd skipped about 3/4 of the book. So I finally decided to write a counter-review and post it on my amazon page. The title of the blog post is the title of my review.
If you're still not getting it, my book is a golf novel, and a shank (see the pic) is the Lord Voldemort of golf shots, so bad some won't even utter the word by name.
If you feel so inclined, go give the review and counter-review a read, and let me know what you think.
Meantime, I'll be humming a few lines from a Billy Bragg song:
I said there is no justice
As they led me out the door
The judge said, "This isn't a court of justice, son
This is a court of law."


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California Salesperson Pre-Licensing Course Pricing and Packages
135-Hr. California Salesperson Real Estate License Packages
Three 45-Hr. Online Interactive Courses
California requires three courses to get your real estate license: a 45-Hour Principles course, a 45-Hour Practice course, and a 45-Hour Finance course.
National Student Pass Rate
Other providers stay mum about their pass rates, but we're thrilled by our students' success. Pass your exam and start your career with confidence!
Student Satisfaction Rate
Our students overwhelmingly love their courses. We like to think our features, support, and intuitive interface have something to do with that.
Complete your coursework in as little as seven and a half weeks
Treated like a normal work week, your education can be completed quickly so you can move on with your new real estate career.
We Have Everything You Need To Get Your California Real Estate License
Standard Package
135-Hour CA Sales Pre‑Licensing Standard Package
Premium Package
135-Hour CA Sales Pre‑Licensing Premium Package
- 45-Hour Real Estate Principles Course
- 45-Hour Real Estate Practice Course
- 45-Hour Real Estate Finance Course
- Unlimited Practice Exams
- California Exam Prep Edge
- Business Building Courses
- Post-Licensing
Value Package
135-Hour CA Sales Pre‑Licensing Value Package
- 45-Hour Real Estate Principles Course
- 45-Hour Real Estate Practice Course
- 45-Hour Real Estate Finance Course
- Unlimited Practice Exams
- California Exam Prep Edge
- Business Building Courses
What's Included?
Resources For Your Career
We provide the best tools, videos, and business advice to support you throughout your career.
Money-Back Guarantee
We value your time, money, and effort, and we prove it by offering your money back within 30 days of purchase if your course isn't yet 50% complete.
See Full Terms »
Unparalleled Expertise
Our team is comprised of industry experts from all over the country. No one has a more seasoned team of curriculum writers than us.
Support When You Need It
When you have questions, we're available to answer. You can call, chat, or email us 7 days a week.
Math Handbook
Our built-in math guide makes it easy to grasp the numbers involved in your new career.
Comprehensive Exam Prep
Included free of charge, our interactive Exam Prep program is designed to help you ace your licensing exam.
Learn More »
Meet the Best Courses
We teach through interaction, which is proven to be a far more effective method of learning than simply reading a boring PDF. LEAP, our proprietary content delivery platform, makes it easy for you to engage with the content you need to grow your business.Take Our Course Tour »
Individual California Courses
If you've already taken part of the 135 hours of education required in California, we can help you complete the rest. Find each 45-hour California course below.
45-Hour Real Estate Principles Course
$105 $78.75 With Promo Code CAPRE25
45-Hour Real Estate Practice Course
$105 $78.75 With Promo Code CAPRE25
45-Hour Real Estate Finance Course
$105 $78.75 With Promo Code CAPRE25
How to Pass Your Exam
Once you complete your Pre-Licensing education, you'll take your state licensing exam. To better prepare you to ace the exam, we've built the industry's most comprehensive interactive Exam Prep. This is included in our Standard, Value, and Premium packages, and you can start by taking an assessment to gauge your competencies for each topic.Shop Exam Prep »
Why Choose The CE Shop?
Up-To-Date Content and Platform
Content is the key to your success, and we're constantly updating our courses to keep up with industry changes. We want you to learn, grow, and succeed through the most revolutionary ideas in education.
Money-Back Guarantee
You shouldn't have to pay for something that isn't right for you. We value your time, money, and effort, and we prove it by offering your money back within 30 days of purchase if your course isn't yet 50% complete.
See Full Terms »
Online Vs. Classroom
Classrooms can be inconvenient and offer outdated education. We've built LEAP, our custom online learning solution, to engage students with interactive content featuring real-world scenarios.
We know life can get busy. By learning online, you can access your course whenever you want, wherever you are. Have time first thing in the morning? That's great. Awake at 2 AM? Hop online and pick up where you left off!
Customer Service
Learning online means you can take your course whenever you have the time, so shouldn't you have support when you need it? We're here for you 7 days a week via phone, chat, and email.
Pass Rates
Most providers don't publish their students' pass rates. We pride ourselves on having some of the highest pass rates in the industry. Learn More »
See What Our Past Pre-Licensing Students Have To Say
We've helped launch the careers of thousands of new real estate agents. Read what they thought of their courses in the reviews below.
What does it take to get a real estate license in California?
Candidates must pass the California state-approved course totaling 135 credit hours. Once this is completed, the student is allowed to sit for the California Salesperson Licensing Exam. Read all five steps to get your license »
What kind of information will I learn in a course from The CE Shop?
Your coursework from The CE Shop is comprehensive and up to date with current trends. Courses are designed to help you pass your California licensing exam and prepare you for your new career in real estate.
The real estate industry is very dynamic. That's why we'll give you insight on issues facing real estate agents in California, including local government regulations and agency relationships.
Every topic we cover is inspired by real-life scenarios you'll face as a salesperson in California.


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e-Mule is free software, you don't have to pay for it!
Hi, I'm writing this post since yesterday a friend of mine asked why he had to call a phone number in order to have something like an eMule activation code. Of course since eMule is free software you don't have to pay for it, nor it requires an activation. You are seeing the request of such code because you downloaded a modified version of the software form an unofficial ad fraudulent site.
The only thing you have to do after having downloaded a fake setup is trash the installer and download the right one from the official site. Next time double check what you are clicking on the Google page and do everything but clicking on sponsored links.
The last thing I want to share with you, my dear newbie, is the super-secret Google function to retrieve music. I hope you are going to find it useful.
To get a copy of a modified version of eMule just follow the simple steps I'm describing below:
- Point your browser to the root of all evil
- Query Google for eMule, download eMule, or something similar (making the query ad more nooby as possible is a homework left to the reader)
- Follow the first sponsored link.
- Congratulation you are just going to download a modified eMule installer.
I first read of the special eMule version by this post of Napolux. After reading the post I was waiting for a friend coming with the question: I had to wait for four days, not bad :-(
Read more...


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Looking for Emacs blogs
Posted on January 4th, 2005 by Sacha Chua
More posts about: emacs Tags: blogs // Add Comment »
More posts about: emacs Tags: blogs // Add Comment »
I'd love to read more about the wonderful editor/way-of-life that is
Emacs. Know of any Emacs-related blogs? (Occasional off-topics are
fine.) Please e-mail the URL to me at [email protected] or use the
comment form.
You can check out http://del.icio.us/sachac/emacs+blogs for a list of
blogs so far.
I plan to aggregate blogs into a general blog feed and an
Emacs-specific blog feed.


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Sell your house with the click of a mouse™
Treat yourself to the peace of mind that comes from a simple, swift home selling experience by working with DealHouse. We will buy 54 Ashley Circle Manorville NY 11949 in its current condition and even let you choose your ideal closing date. This means that you can avoid the stresses of repairs, house showings, and lengthy negotiations, as well as possible setbacks and surprises.
All you have to do is request a cash offer for 54 Ashley Circle Manorville NY 11949 and we'll provide our fair market assessment within 24-hours. This service is free and you are under no obligation to accept. So whether you're eager to sell your Long Island home ASAP or are simply curious to learn more, apply online for an offer or call us at 631-388-6640.


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Click OK to log in and restart your reservation.
Click Cancel to continue with your reservation without logging in.
The possibilities to earn miles are endless when you're a member of the AAdvantage® program. Fly on American Airlines, American Eagle®, any oneworld® airline or our partner airlines, or engage with over 1,000 additional partners to see how fast your miles can grow!
Earn up to 100,000 bonus miles when you buy or gift AAdvantage® miles. Plus, earn more miles on your purchase when you use your eligible AAdvantage® credit card.
Offer ends September 30 Opens another site in a new window that may not meet accessibility guidelines
Increase your mileage balance faster by purchasing extra AAdvantage® bonus miles with every eligible flight.


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Established for 8 years, the purpose of this site is to offer free listings, map locations and further details where available to enable pet owners to locate a boarding kennel that is right for their dog. Different breeds and personality types have varying requirements - no one kennel is right for all dogs and owners.
Standards in all kennels have improved enormously over the last 20 years or so, though there are unfortunately still some boarding establishments that leave a lot to be desired. Whilst there are highly luxurious Pet Hotels for which you pay a premium price, in general traditional kennels will offer a good standard of comfort with generous exercise, quality food, heating and luxury bedding as standard.
There is no one kennel or type of boarding kennel that is perfect for all dogs - but there is one that is perfect for yours if you take the time to find it.
We strongly recommend visiting a kennel before boarding for the first time and give some detailed pointers on boarding your dog and how to make it successful for everyone - your dog, you and the boarding kennel.
As hands-on owners of a boarding kennels and cattery for over 25 years we can see it from all points of view. What we are perfectly sure of is that the majority of dogs enjoy the stimulation and social experience of boarding - as long as you choose the right kennel. The owners find separation much more difficult.
Remember, the most important element of a kennels is the people who will be caring for your dog; if you find them kind and helpful then it is very likely that your dog will agree and enjoy his stay.
We welcome user reviews of boarding kennels; whilst we do not require a full name and address we do need an email address. If you know of a kennels you would like to suggest to other owners please complete our Boarding Kennels User Review Form Your review will be confidential and anonymous unless you wish to sign it.
If you own a kennel and would like a more prominent listing please visit our boarding kennels advertising page. The Enhanced Listing gives you the opportunity to add extra information for your customers, a picture slideshow and videos.
Customers can also submit reviews to share their good experiences of your kennel and help them make up their minds which kennel to choose.
Two months free advertising is offered after which the rate is £25 per quarter. If you choose not to continue advertising there is no charge. The page for Essex boarding kennels above has examples of the enhanced listings. If you are interested in a free 2 month trial just call us on 01934 712 861 any time during business hours.
As kennel owners ourselves our aim is to bridge the gap between pet owners and kennel owners at a reasonable cost. We know we can help you at a price that doesn't hurt and you won't pay a penny until you have proved to yourself that your advertising with kennels.co.uk works.
A good value solution is a link to your website, plus bullet points and your business logo for just £25pa.
Order a link now and start reaching new customers.
Check the numbers of visitors to kennels.co.uk to find out how many people in you area are looking for boarding kennels.
If you would prefer to speak to us, just call 01934 712861 any time during working hours and we will do all we can to help you.


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May 3, 2013
MANHATTAN, KAN. – In the past several months, Riley County Police Department has been made aware of several scams that have claimed large amounts of money from several local victims. RCPD encourages the public to stay vigilant in protecting their information, property and money from deceit. RCPD offers the following information to help the public stay informed. Be suspicious of correspondences that state you have won a lottery, have a family member currently incarcerated out of the country, or request that you "wire," "send," or "ship" money in order to claim a prize, deposit, or loan of any kind. RCPD also reminds the public to be cautious of their personal and account information and encourages them not to release this information. Riley County Police also suggest informing family and friends of possible scams in order to increase the public's awareness of these crimes.
There are several resources online that can help you protect yourself from becoming a victim.
If you believe yourself to be the victim of a scam please contact your local law enforcement agency for more information and to begin the reporting process. For more information on this subject contact Riley County Police Department.